Calluna Financial

01/06/2026

Say hello to Daljit. 👋

Based in Stuartfield near Peterhead, Daljit is our Mortgage & Protection Adviser covering Aberdeenshire and the North of Scotland, he's the kind of adviser who actually takes the time to understand your situation before recommending anything.

Whether you're buying your first home, moving, remortgaging, or just want to make sure your family is protected if the unexpected happens, Daljit offers honest, straightforward advice.

Flexible appointment times, home visits available, and support that doesn't stop at completion.

If you're in Aberdeenshire or the North of Scotland, he'd love to have a chat.

📅 Book a free initial conversation here: http://bit.ly/4vjbj8v

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

29/05/2026

A bank adviser is doing their job properly when they find you the best deal within their own range. That's what they're there for.
But their range is their range. It has a ceiling. And what sits above that ceiling, the deals from lenders who only work through intermediaries, the products that don't appear on comparison sites, the rates exclusive to whole of market brokers, is invisible to them.

For some buyers that gap doesn't matter. For others it's the difference between getting a mortgage and not getting one at all.

The only way to know which category you're in is to have someone search the whole market, not just part of it.

Until 31 July, that search is free.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

28/05/2026

Applications for the First Homes Fund will officially open by the end of June. The scheme offers first-time buyers a £10,000 contribution toward a deposit on properties worth up to £300,000.

It is an interest-free, shared-equity fund with no monthly payments. The government takes an equity stake in the property, which is simply repaid when you eventually sell it down the line.

With 2,000 households expected to be supported in the first 100 days alone, preparation is key. You will need a mortgage in place to apply, meaning your financial groundwork needs to start now.

Navigating mortgage criteria and property options can feel complicated, but you don't have to figure it out alone. Let’s get you ready for June. Send us a message or click the link in our bio to speak with an adviser.

27/05/2026

The gap between your offer being accepted and actually moving in can feel like a black box.

Here's what's actually happening in that time: your broker submits the full mortgage application, the lender does their own valuation of the property, underwriters review your documents, a formal mortgage offer is issued, your solicitor handles the legal transfer, missives are concluded, and a completion date is set.

Most of that is out of your hands, but knowing it's happening, and why it takes the time it does, makes the wait easier.

Got a question about where you are in the process? Drop it below or message us directly.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

22/05/2026

A client came to us with 10 weeks left on their fixed deal.
Their existing lender offered them a product switch, it looked fine on the surface, but it wasn't the best available for their situation.

We looked at the whole market, found a better rate with a different lender, managed the full switch, and they ended up over £200 per month better off than if they'd just accepted what they were offered.

If your fixed deal is ending this year, talk to us first.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

20/05/2026

Your fixed-rate mortgage ending in the next six months means you're already in the window where you should be looking at options.

The cost of waiting is real. Reverting to a lender's standard variable rate is what happens when a fixed deal ends and you haven't switched. It's usually significantly more expensive per month.

Most lenders allow you to secure a new rate up to six months ahead of your current deal ending. If rates drop before your switch date, you can often lock in the lower one depending on your lender's terms. If they rise, you've already protected yourself.

www.callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

18/05/2026

The gap between your offer being accepted and moving in can feel like a black box.

If you're at the thinking stage, we want to hear from you!

Here’s what happens: your broker submits the mortgage application, the lender completes a property assessment, underwriters review documents, a formal mortgage offer is issued, and your solicitor handles legal transfers before setting a completion date.

Most of that is out of your hands. Understanding this process makes waiting easier.

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

17/05/2026

Just weeks from our first conversation to picking up the keys!

This is typical for buyers who reach out early and come prepared. We identified the right lenders, secured the Agreement in Principle swiftly, and guided them through the process.

If you're considering buying in central Scotland this year, connect with a broker early for a smoother experience!

Message us or visit www.callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

14/05/2026

The average Scottish home now costs around £187,000.

Getting the wrong mortgage on that, or missing a better deal because you didn't know it existed, can cost you thousands over the life of the loan.

Getting the right advice used to cost £399 on top of that. Until 31 July, it doesn't.

Calluna's mortgage advice fee is frozen to zero for anyone who gets in touch before the end of July. Same independent advice. Same access to the full Scottish mortgage market. No fee.

If you've been putting a conversation off, this is the window to stop doing that.

www.callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

07/05/2026